Water Quality Financing Administration

The Maryland Water Quality Financing Administration (MWQFA) thanks everyone who submitted an application during the recent solicitation for FFY2019/State FY2021 funding.  The following draft documents are now available for a 30-day public comment period:  
Project Priority Lists (PPL) show all applications received in ranked order from highest to lowest score. 
Intended Use Plan (IUP) Tables 1 list the projects that ranked high enough for FFY 2019 Revolving Loan Funding consideration.  Only those projects with an amount shown in the “Total Funding” column will be offered FFY 2019 State Revolving Fund financing.  See the “Comments” column for outstanding issues, potential grant funding etc.   Official notification regarding projects selected from the PPL to receive State FY 2021 grant funds will not be made until late spring 2020, following the close of the 2019 legislative session.  
IUP Documents, along with the PPLs and IUP Tables 1, are submitted to the U.S Environmental Protection Agency (EPA) to request the FFY19 Clean Water and Drinking Water Capitalization Grants under the Federal Clean Water Act and Safe Drinking Water Act, respectively. 
All the draft documents will be the subject of a public hearing on June 17, 2019  at 10:00 AM at the Maryland Department of Environment (MDE Stat Room, 1st Floor Lobby), 1800 Washington Boulevard, Baltimore, Maryland, 21230.  The public hearing record will be closed on June 21, 2019.  Comments on the draft documents can be submitted as follows:
+ In person at the public hearing, or 
+ Via email to elaine.dietz@maryland.gov, or
+ Via fax to (410) 537-3968 (Attn:  Elaine Dietz), or
+ Via mail to: 
  Elaine Dietz
  Water Quality Financing Administration
  Maryland Department of the Environment
 1800 Washington Boulevard, Suite 515
  Baltimore MD 21230-1718
All comments will be included in a responsiveness summary, which is also submitted to EPA.  MDE will respond to those whom submitted comments at the public hearing requesting certain actions.  Please contact Elaine Dietz at (410) 537-3908 or elaine.dietz@maryland.gov with any questions.

Purpose and Mission  

The mission of the Maryland Water Quality Financing Administration (WQFA) is to provide financial assistance in the form of low interest rate loans and/or grant funding for clean water and drinking water capital projects across the State. 

Eligible types of projects include:
  • Water quality point source projects
  • Drinking water projects
  • Non-point source pollution control projects
  • Septic system upgrade projects   

The WQFA administers the loan and grant programs described below:  


Financial Program


Water Quality Revolving Loan Program (WQRLF)

Provides low-interest loans to local governments to finance wastewater treatment plant upgrades, nonpoint source projects, and other water quality and public health improvement projects.

Drinking Water Revolving Loan Program (DWRLF)

Provides low-interest loans to local governments to finance water supply improvements and upgrades.

Water Supply Assistance Grant Program

Helping communities meet their water supply needs.

Bay Restoration Fund Wastewater Grant Program 

  • ENR upgrade at major or minor wastewater treatment plants.
  • Improvements to existing wastewater conveyance systems.
  • Sewer extensions to connect homes on septic systems to a BNR/ENR wastewater treatment plant.
  • Nutrient-reducing BAT shared community septic systems. 
  • Stormwater (MS4) projects by local governments

Bay Restoration Fund - Septic System Grant Program

Upgrades of existing septic systems to best available technology for nitrogen reduction to the Bay.

Linked Deposit Program

Water quality capital improvements

Both loan programs receive federal funding from  the United States Environmental Protection Agency (EPA) and offer below market interest rate loans to eligible borrowers, while ensuring the perpetuity of the revolving funds.

The WQFA is authorized to issue revenue bonds subject to approval of the State Board of Public Works and Secretary of the Maryland Department of the Environment.  Bonds issued by the WQFA do not constitute a debt or the full faith and credit pledge of the State or any political subdivision.  The bonds are paid solely from WQFA revenues as pledged under the bond indenture for each of the above Funds.

The WQFA works very closely with MDE’s Engineering and Capital Projects Program (ECPP, formerly the Water Quality Infrastructure Program).  The ECPP is responsible for the development and implementation of capital projects to correct public health and water quality problems and provides restoration measures that lead to water quality and habitat benefits.  The ECPP provides technical assistance to local government and eligible private entities.



FFY 2018/State FY 2020 Documents 

Final FFY2018/State FY2020 Clean Water Project Priority List
Final FFY2018 Water Quality Revolving Loan Fund Intended Use Plan Table 1
Final FFY2018 Water Quality Revolving Loan Fund Intended Use Plan Document

Final FFY2018/State FY2020 Drinking Water Project Priority List
Final FFY2018 Drinking Water Revolving Loan Fund Intended Use Plan Table 1
Final FFY2018 Drinking Water Revolving Loan Fund Intended Use Plan Document

Public Hearing Responsiveness Summary for the FFY2018/State FY2020 IUPs and PPLs  

Please note: 

  • Official notifications regarding projects selected to receive Federal FY 2018 Revolving Loan Fund financing have been made.  
  • Official notifications regarding projects selected receive State FY 2020 grant funds will not be made until late Spring 2019.  
FFY 2017/State FY 2019 Final EPA-Approved Funding Documents 
Please note:  Official notifications regarding projects selected to receive Federal FY 2017 Revolving Loan Fund financing and State FY 2019 grant funds have been made.
FFY 2016/State FY 2018 Final EPA-Approved Funding Documents
Please note:  Official notifications regarding projects selected to receive Federal FY 2016 Revolving Loan Fund and State FY 2018 grant funding have been made.
For Septic Grants:
Associated Documents:
 For additional information, please call (410) 537-3119.